Thank you for taking the time to ask me about our plans for branching in Lincoln. We have discussed adding a downtown location over the years, but thus far the right combination of timing, location and demand have not all come together. Unless we have the opportunity to purchase an existing branch from another bank, I don’t anticipate that we’ll be downtown in the near term.

The second part of your question is something I’d also like to address: The one-day delay in posting ATM deposits is something that we’ve had to adopt recently. A few bad apples spoiled the lot, as they say, and were making fraudulent deposits at ATMs, then withdrawing the cash they claimed to have deposited. Unfortunately, our only defense against that type of fraud is to verify the deposit the next business day, then credit the account. This has inconvenienced honest people like you, and we regret that it had to be done.